Great FDCPA Case Law Citations

As is ALWAYS THE CASE. Go read the citation and find the proper quotation from it that
fits your argument.. do NOT rely on what is stated here.
The citations below that are underlined are adverse decisions that you can learn from!!
Alozynski v. Rubin & Debski, P.A., 2010 WL 1849081 (M.D. Fla, May 7, 2010). The court
denied a motion to dismiss because individuals who control and direct the practices of a
collection firm can be personally liable even if they act under the auspices of a corporate entity.
In addition, they may be liable as persons who directly or indirectly collect or attempt to
collect a debt.
Belin V. Litton Loan Serv., L.P., 2006 WL 1992410 (M.D. Fla. July 14, 2006). The
employees of a debt collection agency who actually engaged in the allegedly unlawful
misconduct and the collection agency itself are jointly and severally liable for the resulting
FDCPA violations.
Kort v. Diversified Collection Servs., Inc., 270 F. Supp. 2d 1017 (N.D. Ill. 2003), affd in
part, 394 F.3d 530 (7th Cir. 2005). Private guaranteed student loan debt collectors are subject to
the FDCPA.
Munoz v. Pipestone Fin., LLC, 397 F. Supp. 2d 1129 (D. Minn. 2005). The purchaser of
defaulted debt portfolios was a debt collector, notwithstanding that it itself did not communicate
with the consumer in an attempt to collect debt and where instead the actual collection efforts
were performed by another debt collector with whom it contracted.
Krapf v. Profl Collection Servs., Inc., 525 Supp. 2d 3324 (E.D.N.Y. 2007). Employees of the
debt collector personally involved with the violative conduct are personally liable under the
FDCPA.
Ohlson v. Cadle Co. 2006 WL 721505 (E.D.N.Y. Mar 21, 2006). The court rejected the
defendants contention that only collection agencies, and not individuals, are liable under the
FDCPA, holding to the contrary that officers and employees of the debt collecting agency may
be jointly and severally liable with the agency where they have affirmatively acted.
Reade-Alvarez v. Eltman, Eltman & Cooper, P.C., 369 F. Supp. 2d 353 (E.D.N.Y. 2005).
The individuals who were personally involved in the collection of the debts at issue were debt
collectors subject to the FDCPA.
Alamo v. ABC Fin. Servs., Inc., 2011 WL 221766 (E.D. Pa. Jan. 20, 2011). Merely
identifying oneself as a debt collector does not make one a debt collector under the FDCPA.
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Hester v. Graham, Bright & Smith, P.C., 289 Fed. Appx. 35 (5th Cir. 2008). Whether an
attorney is a debt collector is a determination to be made on a case-by-case basis applying the
following principles: Attorneys qualify as debt collectors for purposes of the FDCPA when they
regularly engage in consumer debt collection, such as litigation on behalf of a creditor client. A
person may regularly collect debts even if debt collection is not the principal purpose of his
business. If the volume of a persons debt collection services is great enough, it is irrelevant that
these services only amount to a small fraction of his total business activity. Whether a party
regularly attempts to collect debt is determined, of course, by the volume or frequency of its
debt collection activities. The defendant attorneys were acting regularly and thus were debt
collectors as defined when over the previous two years they attempted to collect debts on 450
different occasions for four clients and filed nearly two hundred collection suits.
Addison v. Braud, 105 F.3d 223 (5th Cir. 1997). Attorneys who regularly engaged in debt
collection litigation were debt collectors for the purposes of the FDCPA.
Frey v. Gangwish, 970 F.2d 1516 (6th Cir. 1992). The validation notice must be provided
within five days of the initial communication even where the first communication was an
attorneys post-judgment letter to the consumer.
Carroll v. Wolpoff & Abramson, 961 F.2d 459 (4th Cir. 1992). The 1986 amendment to the
FDCPA to eliminate the exclusion of attorneys from the definition of debt collector was a
repeal, not a reenactment which generally incorporates prior judicial decisions.
Crossley v. Lieberman, 868 F.2d 566 (3rd Cir. 1989). An attorney routinely collecting
consumer debts is a debt collector under 1692a(6).
Newman v. CheckRite California, Inc., 912 F. Supp. 1354 (E.D. Cal. 1995). The FDCPA
applies to lawyers engaged in litigation.
First Interstate Bank v. Soucie, 924 P.2d 1200 (Colo. App. 1996). Vicarious liability will be
imposed on an attorneys client for the attorneys FDCPA violations if the attorney and client
were both debt collectors.
Woolfolk v. Rubin, 1990 U.S. Dist. LEXIS 20964 (D. Conn. Feb. 2, 1990). Definition of a
debt collector includes any attorney who engages in debt collection more than a few times a year.
Yale New Haven Hosp. v. Orlins, 1992 WL 110710 (Conn. Super. Ct. May 11, 1992).
Simply stated, if an attorney regularly engages in debt collection activities, that attorney is a
debt collector under the FDCA and is subject to its provisions. This court holds that there is
no additional implied exemption for attorneys when performing tasks of a legal nature.

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Agan v. Katzman & Korr, P.A., 2004 WL 555257 (S.D. Fla. Mar. 16, 2004). The court
applied Heintz v. Jenkins holding that an attorney can be a debt collector under the FDCPA, if he
regularly engages in consumer debt collection activity.
Donley v. Nordic Properties, Inc., 2003 WL 22282523 (N.D. Ill. Sept. 30 2003). A creditor
seeking to collect its own debt was not a debt collector; however, its attorney seeking to collect
its debt was a debt collector.
Laws v. Cheslock, 1999 U.S. Dist. LEXIS 3416 (N.D. Ill. Mar, 8, 1999). By listing his own
name and attorney at law in large font at the top of the page, the creditors in-house collection
lawyer gave the misleading impression that he was a solo practitioner. Other factors included the
statement that the matter had been referred to me for collection; the reference to my office;
and the use of plural pronouns. The presence of the creditors name in the letterhead was only
one factor in determining whether the attorney employed by the creditor acted in the name of the
creditor. Whether a lawyer was a debt collector could be decided as a matter of law, where
dunning letter could lead an unsophisticated consumer into believing the lawyer did not work as
an employee of the creditor.
Johnson v. Eaton, Clearinghouse No. 49,970 (M.D. La. 1994). 1986 Deletion by Congress of
the attorney exemption from the definition of debt collector left nothing to indicate that
attorneys in the course of litigation, or engaged in purely legal activities--activities that can only
be performed by an attorneyshould be excluded from the requirements of the FDCPA.
Stojanovski v. Strobl & Manoogian, 783 F. Supp. 319 (E.D. Mich. 1992). Law firm which
collected debts only 4% of the time was a debt collector because such activity was regular and
brought law firm within 1692a(6).
Chulsky v. Hudson Law Offices, P.C. 2011 WL 500202 (D. N.J. Feb. 10, 2011). The court
rejected the defendants motion to dismiss the claim against her individually because the
allegations spoke to actions completed in her professional capacity as an attorney for the law
firm that owned the plaintiffs debt. Attorneys may be held liable for misleading statements
made on behalf of their clients.
Kolker v. Sanchez, 1991 WL 11691589 (D. N.M. Dec. 10, 1991). An attorney who regularly
files lawsuits to collect consumer debts was a debt collector.
Dolente v. McKenna, 1996 WL 304850 (E.D. Pa. June 6, 1996). The court denied the motion
to dismiss by the law firm representing a creditor as it found the law firm was a debt collector
under the FDCPA as it regularly engaged in debt collection for others.
Littles v. Lieberman, 90 B.R. 700 (E.D. Pa. 1988). Attorney in general practice covered by
FDCPA where that practice included a minor but regular debt collection practice.
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Crossley v. Lieberman 90 B.R. 682 (E.D. Pa. 1988). affd, 868 F.2d 566 (3d Cir. 1989).
FDCPA applies to an attorney whose collection work is a minor but regular part of his general
practice.
Tomas v. Bass & Moglowski, 1999 U.S. Dist. LEXIS 21533 (W.D. Wis. June 29, 1999).
Filing a complaint and other aspects of litigation were actions in connection with the collection
of a debt.
Mertes v. Devitt, 734 F. Supp. 872, 874 (W.D. Wis. 1990). Attorney not a debt collector where
debt collecting practice made up less than 1% of total practice and he collected less than two
times a year over ten years.
Kistner v. Law Offices of Michael P. Margelefsky, L.L.C., 518 F.3d 433 (6th Cir. 2008). A
collection lawyer was responsible under the FDCPA for collection letters sent under his
supervision. There is no corporate immunity under the FDCPA for officers of a debt collection
agency or law firm who are actively engaged in debt collection.
Beasley v. Collectors Training Inst., 1999 U.S. Dist. LEXIS 2575 (N.D. Ill. Feb. 25, 1999).
Complaint sufficiently stated a claim against individual officers and employees of a corporation
by alleging that the individual defendants collected debts on behalf of a third party. Plaintiff did
not need to allege facts to pierce the corporate veil to reach the officers.
Carvana v. MFG Fin., Inc., 2008 WL 246 8539 (D. Utah June 17, 2008). The corporate form
does not protect officers, directors, or shareholders from individual liability under the FDCPA;
individuals who satisfy the statutory definition can be held personally liable under the FDCPA
without piercing the corporate veil.
Police v. Natl Tax Funding, L.P., 225 F.3d 379 (3d Cir. 2000). The 1692a(6)(c) exemption
for government employees did not extend to a collection agency hired by the government to
collect water bills.
Hernandez v. Midland Credit Mgmt., Inc., 2006 WL 695451 (N.D. Ill. Mar. 14, 2006).
Allegation showing that the defendant Encore at least indirectly engaged in the collection of a
debt for a third party were adequate to state a claim that the defendant was a debt collector
under the FDCPA. Encore is a debt buyer that owns Midland which was collecting the debt by
sending out a notice for Encore.
Robinson v. Managed Account Receivables Corp., 654 F. Supp. 2d 1051 (C.D. Cal. 2009).
Employees of a debt collection organization may be debt collectors under the FDCPA and held
personally liable for acts committed during the scope of their employment.

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LeBlanc v. Unifund CCR Partners, 601 F.3d 1185 (11th Cir. 2010). Partners of a debt
collector limited partnership may be held jointly and severally liable for the partnerships
conduct regardless of whether they violated the FDCPA and whether or not they are debt
collectors.
Peter v. G.C. Servs. L.P., 310 F.3d 344 (5th Cir. 2002). General partners are liable for all
obligation of the partnership. Thus, G.C. Financial and D.L.S. Enterprises are liable for the
FDCPA violations of G.C. Services.
Police v. Natl Tax Funding, L.P., 225 F.3d 379 (3rd Cir. 2000). A collection agency that took
assignment of defaulted debts and then hired another collection agency to do the collection work
would be vicariously liable for the FDCPA violations of the hired agency. The general partner
of the two agencies, both limited partnerships, should also be vicariously liable for their FDCPA
violations.
United States v. ACB Sales & Serv., Inc., 590 F. Supp. 561 (D. Ariz. 1984). The officers of a
collection agency are not liable for an FDCPA violation to which they did not participate absent
piercing of corporate veil. Parent corporation which solicited accounts for and supervised the
collection activities of local subsidiaries is a debt collector liable for violation of subsidiaries
since entire group of corporations are single economic enterprise.
Schwarm v. Craighead, 552 F. Supp. 2d 1056 (E.D. Cal. 2008). Personal FDCPA liability can
be imposed on employees, shareholders, officers and directors without piercing the corporate
veil, as long as the individual; (1) materially participated in collecting the debt at issue; (2)
exercised control over the affairs of the business; (3) was personally involved in the collection of
the debt at issue; or (4) was regularly engaged, directly and indirectly, in the collection of debts.
The individual defendant had FDCPA liability where, as a director and president, the individual
oversaw collecting debts pursuant to contracts with the district attorneys offices, was one of
only three individuals that had final authority over the companys collection procedures,
developed the automated software the company used, and was solely responsible for managing
and maintaining the automated computer system that implemented the collection program.
First Interstate Bank v. Soucie, 924 P.2d 1200 (Colo. App. 1996). Vicarious liability will be
imposed on an attorneys client for the attorneys FDCPA violations if the attorney and client
were both debt collectors.
Cashman v. Ricigliano, 2004 WL 1920798 (D. Conn. Aug. 25, 2004). Partnership may be
sued under the FDCPA since it is responsible for the acts of its partners.
LeBlanc v. Unifund CCR Partners, G.P., 552 F. Supp. 2d 1327 (M.D. Fla. May 8, 2008).
FDCPA liability was imputed under the FDCPA and state partnership law to the general partners
of defendant that only participated indirectly in its actual collection efforts.
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Martinez v. Albuquerque Collection Servs., 867 F. Supp. 1495 (D. N.M. 1994). Debt
collectors employing attorneys or other agents to carry out debt collection practices that violate
the FDCPA are vicariously liable for their agents conduct.
Albanese v. Portnoff Law Assocs., Ltd., 301 F. Supp 2d 389 (S.D. Pa. 2004). The law firms
president, with duties of supervision and overall responsibility, and the attorney who signed the
letters could both be liable under the FDCPA.
Brumbelow v. Law Offices of Bennett & Deloney, P.C., 372 F. Supp. 2d 615 (D. Utah 2005).
Even if shareholders were not directly involved in the collection efforts, there was a factual
question whether they could be liable as indirect debt collectors, since they exercised supervisory
authority over the corporation, were intimately involved with the practices and procedures of the
corporation, and, in fact, developed and implemented the particular collection practice.
West v. Costen, 558 F. Supp. 564 (W.D. Va. 1983). A collection agency and ins individual
collection employees are all debt collectors separately liable for their separate violations of the
FDCPA. By piercing the corporate veil, the owner of the collection agency was also found liable
for FDCPA violations.
Robey v. Shapiro, Marianos & Cejda, L.L.C., 434 F.3d 1208 (10th Cir. 2006). Actual
damages are not required for standing under the FDCPA as the attempt to recover unlawful fees
was made actionable by Congress.
Montgomery v. Huntington Bank & Silver Shadow Recovery, Inc., 346 F.3d 693 (6th Cir.
2003). A non-debtor who was subjected to abusive collection tactics may not maintain an action
for violations of 1692c(c), since that section is limited to violations directed at a consumer as
defined in the Act, but may maintain an action for violation of 1692d and 1692e, which have
no such limitation and therefore apply to anyone who is the victim of prescribed misconduct.
Keele v. Wexler, 149 F/3d 589. 594 (7th Cir. 1998). [T]he FDCPA is designed to protect
consumers from the unscrupulous antics of debt collectors, irrespective of whether a valid debt
actually exists.
Baker v. G.C. Servs. Corp., 677 F.2d 775, 777 (9th Cir. 1982). The Act is designed to protect
consumers who have been victimized by unscrupulous debt collectors, regardless of whether a
valid debt actually exists.
Sparks v. Phillips & Cohen Assocs., Ltd., 641 F. Supp. 2d 1234 (S.D. Ala. 2008). Any
person, can be a plaintiff, not just a consumer.

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Dutton v. Wolhar, 809 F. Supp. 1130 (D. Del. 1992), affd, 5 F.3d 649 (3rd Cir. 1993). The
protections of the FDCPA are not limited to consumers; liability is imposed upon a debt
collector who has failed to comply with the Act with respect to any person pursuant to
1692k.
Drossin v. Natl Action Fin. Servs., Inc., 255 F.R.D. 608 (S.D. Fla. 2009). Plaintiff, who
received an initial prerecorded telephone message from the debt collector and then a letter from
the same entity stating that she owed a debt, had standing to assert FDCPA claims arising from
the telephone message that was allegedly intended for another person with the same last name as
Plaintiff. The FDCPA is broadly written to provide standing to any person and should be
liberally construed to protect alleged debtors.
Folten v. Creditor Servs, Bur., Inc., 2006 WL 1582459 (C.D. Ill. June 7, 2006). The court
denied the collection agencys motion to dismiss the FDCPA claims finding that plaintiff, a
former collection attorney for the collection agency, had sufficiently stated a cause of action by
alleging that the collection agency forged his signature to at least 29 legal documents filed in
court in connection with the collection agencys efforts to collect debts violating 1692e(3).
The collection attorney withdrew the forged complaints and terminated his relationship with the
agency. The court noted that the FDCPA was broadly written to accord a private right of action
to any person.
Flowers v. Accelerated Bureau of Collections, Inc., 1997 WL 136313 (N.D. Ill. Mar. 19,
1997). The spouse of a consumer may bring FDCPA claim if debt collection efforts that would
violate the Act were targeted at her. A husband to which a collection call was targeted had
standing to sue where the threats to sue and garnish his wages were received by his wife.
Kaniewski v. Natl Action Fin. Servs., 678 F. Supp. 2d 541 (E.D. Mich 2009). One who
knows that he is not alleged to owe the debt is not a consumer and does not have standing to
bring claims under 1692e and 1692g, but does have standing as any person to bring claims
pursuant to 1692d.
Thomas v. Consumer Adjustment Co., 579 F. Supp. 2d 1290 (E.D. Mo. 2008). Third party
who answered the call had standing to sue the debt collector; the focus of 1692c(b) and 1692b
is not solely on communications with the consumer; it also regulates the content of the
communication with third parties and proscribes certain conduct, such as communicating with
the third party more than once. Under the unique facts here, where the third party alleges direct
harm and actual damages, she has standing.

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Bank v. Pentagroup Fin., L.L.C., 2009 WL 1606420 (E.D. N.Y. June 9, 2009). The court
erroneously held that one who received recorded calls aimed at a different consumer has no
standing under 1692c. [Plaintiff] lacks standing to bring a claim under 1692c because; (1)
he was not obligated or allegedly obligated to pay any debt; and (2) he has not alleged that he is a
consumers spouse, parent, guardian, executor or administrator. Accordingly, [defendants]
motion to dismiss [plaintiffs] 1692c claim is granted.
Sibersky v. Borah, Goldstein, Altschuler & Schwartz, P.C., 2000 U.S. Dist. LEXIS 14043
(S.D. N.Y. Sept. 22, 2000). Husband who was not a consumer could pursue FDCPA claims
under sections not restricted to consumers, such as a 1692e(5) claim. Since husband did not
owe the rent debt or receive the three-day demand letter, his claim for violation of the notice
requirements, which applied only to consumers, was dismissed.
Riveria v. MAB Collections, Inc., 682 F. Supp. 174 (W.D. N.Y. 1988). The FDCPA private
remedy is available to any person, not just consumers. Therefore, the administrator who had
received dunning letters regarding a consumer debt had standing to sue under FDCPA.
Johnson v. Bullhead Invs., L.L.C. 2010 WL 118274 (M.D.N.C. Jan.11, 2010). The consumer,
a person with a name similar to the actual debtor, who was served with the actual debtors state
court collection suit even after she notified the collector of the mistaken identity and who
incurred attorney fees in having the collection case against her dismissed and incurred other
actual damages as a result of the debt collectors collection efforts, had standing FDCPA
violations.
Woodside v. New Jersey Higher Educ. Assistance Auth., 1993 WL 56020 (E.D. Pa. Mar. 2,
1993). Plaintiffs were consumers protected by the FDCPA despite defendants argument that
they are not because plaintiffs have the ability but not the desire to pay the collectors claim.
Donohue v. Quick Collect, Inc., 592 F.3d 1027 (9th Cir. 2010). [A state court] complaint
served directly on a consumer to facilitate debt-collection efforts is a communication subject to
the requirements of 1692e and 1692f.
Edwards v. Niagara Credit Solutions, Inc., 584 F.3d 1350 (11th Cir. 2009). Telephone
answering machine messages that asked the consumer to return calls from the defendant debt
collector and that did not convey any specific information about a debt were nevertheless
communications subject to the FDCPA since the reason for the calls was to collect a debt and
they thus indirectly conveyed information about the debt.
Goldman v. Cohen, 445 F.3d 152 (2nd Cir. 2006). A legal pleading was a communication
within meaning of the FDCPA.

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Hutton v. C.B. Accounts, Inc., 2010 WL 3021904 (C.D. Ill. Aug. 3, 2010). Leaving a
voicemail message to call back is a communication because the purpose was to induce the
consumer to call to discuss her outstanding debt.
Matmanivong v. Unifund CCR Partners, 2009 WL 1181529 (N.D. Ill. Apr. 28, 2009 ).
Communications to lawyers and the court are subject to 1692e of the FDCPA just like
communications to consumers.
Ramirez v. Apex Fin. Mgmt., L.L.C. 567 F. Supp. 2d 1035 (N.D. Ill. 2008). The court
rejected Biggs v. Credit Collections, Inc., 2007 WL 4034997 (W.D.Okla. Nov. 15, 2007), and
followed the overwhelming majority rule of Foti, et al., that the debt collectors voicemail
messages were FDCPA communications.
Gathing v. Mortgage Elec. Registration Sys., Inc., 2010 WL 889945 (W.D. Mich. Mar. 10,
2010). Since FDCPA prohibits actions and unfair practices that may not involve communicating
directly with the consumer, pro so allegations that co-defendant was debt collectors servicing
agent and that co-defendant debt collector is vicariously liable for its servicing agents acts under
the doctrine of respondeat superior, survives motion to dismiss. Summary judgment denied
where co-defendant servicing agent offers no support for its contention that statements made in a
letter that also includes language required by law or in a response to an inquiry by a plaintiff are
exempt from compliance with the FDCPA.
Edeh v. Midland Credit Mgmt., Inc., 2010 WL 3893604 (D. Minn. Sept 29, 2010). The
court has learned through its work on countless FDCPA cases that threatening to report and
reporting debts to CRAs is one of the most commonly-used arrows in the debt collectors quiver.
Consistent with the view of the FTC-and consistent with the views expressed in Purnell, Quale,
and Semper-the court finds that Midland was engaged in collection of the debt in violation of
1692g(b) when it reported Edehs disputed debt to the CRAs before sending verification of that
debt to Edeh.
Seaworth v. Meserli, 2010 WL 3613821 (D. Minn. Sept. 7, 2010). The court concluded that a
pleading sent to the pro se consumers home but never received was not a communication.
Mark v. J.C. Christensen & Assoc., Inc., 2009 WL 2407700 (D. Minn. Aug. 4, 2009).
Messages left by the debt collector on the consumers answering machine are communications
under the FDCPA.
Thomas v. Consumer Adjustment Co., 579 F. Supp. 2d 1290 (E.D. Mo. 2008). Even though
the debt collector did not disclose any information about the account, since the call was made for
the purpose of contacting the debtor to obtain collection, it was a communication within
1692a(2).

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Davis v. Trans Union, L.L.C., 526 F. Supp. 2d 577 (W.D. N.C. 2007). Reporting to credit
bureaus is a communication within the FDCPA. Allegation that collection agency falsely
reported the balance of an account to a credit bureau survived motion to dismiss.
Midland Funding L.L.C. v. Brent, 644 F. Supp. 2d 961 (N.D. Ohio 2009). Affidavits
attached to complaints for money themselves constitute communications for the purposes of the
FDCPA.
Kline v. Mortgage Elec. Registration Sys., Inc. 2009 WL 6093372 (S.D. Ohio Nov. 24,
2009). Report and recommendation adopted, 2010 WL 1133452 (S.D. Ohio Mar. 22, 2010).
Allegations that the defendants misrepresented and inflated various fees and charges owing while
pursuing the underlying foreclosure were not actionable since the subject communications were
made to the consumers attorney and thus were outside of the FDCPA per the rule of Guerrero v.
RJM Acquisitions L.L.C., 499 F.3d 926 (9th Cir. 2009).
Re Gunter, 334 B.R. 900 (Bankr. S.D. Ohio 2005). Summons and complaint are
communications within the FDCPA.
Mendus v. Morgan & Assoc.., 994 P.2d 83 (Okla. Ct. App. 1999). A pleading or a summons
was a communication under the FDCPA and was the initial communication triggering the
validation notice requirements.
Capital Credit & Collection Serv., Inc. v. Armani, 206 P.3d 1114 (Or. Ct. App. 2009). A
false, deceptive, or misleading representation or means in connection with the collection of any
debt under 1692e includes communications by the debt collector to the debtors attorney,
since the FDCPA applies to direct and indirect collection efforts.
Henry v. Shapiro, 2010 WL 996459 (E.D. Pa. Mar. 15, 2010). The FDCPA includes the
contents of formal pleadings within its scope except where formal pleadings are explicitly
exempted by 1692e(11) and 1692g(d).
Inman v. NCO Fin. Sys., Inc. 2009 WL 3415281 (E.D. Pa. Oct. 32, 2009). Followed Foti,
holding prerecorded messages left on an answering machine were communications.
Sullivan v. Equifax, Inc., 2002 WL 799856 (E.D. Pa. Apr. 19, 2002). The court rejected the
argument that sending false information about a delinquent payment to a credit reporting agency
was not debt collection conduct.
Banks v. Ford Motor Credit, 2005 WL 43981 (N.D. Tex. Jan. 7, 2005). The court rejected the
argument that sending false information about a delinquent payment to a credit reporting agency
was not debt collection conduct.

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Reyes v. Kenosian & Miele, L.L.P., 619 F. Supp. 2d 796 (N.D. Cal. 2008). State court
collection complaints are generally subject to the FDCPA.
Ruth v. Triumph Pships, 577 F.3d 790 (7th Cir. 2009). The FDCPA is a strict liability statute,
and debt collectors whose conduct fails short of its requirements are liable here respective of
their intentions.
Jacobson v. Healthcare Fin. Servs., Inc., 516 F.3d 85 (2nd Cir. 2008). The Act is primarily a
consumer protection statute, and we have consistently interpreted the statute with that
congressional object in mind.
Brown v. Card Serv. Ctr., 464 F.3d 450 (3rd Cir. 2006). The FDCPA is a remedial statute to
be broadly construed so as to effect its purpose.
Johnson v. Riddle, 305 F.3d 1107 (10th Cir. 2002). The FDCPA is a remedial statute to be
liberally construed to accomplish its purposes.
Frey v. Gangwish, 970 F.2d 1516 (6th Cir. 1992). The FDCPA is an extraordinarily broad
statute and must be enforced as Congress has written it.
Jeter v. Credit Bureau, Inc., 760 F.2d 1168 (11th Cir. 1985). Since the purposes of the
FDCPA stated in 1692 included the strengthening of federal protections for consumers, courts
should interpret the FDCPA to be at least as protective of consumers as was the FTC Act at the
time when the FDCPA was enacted. Thus, the FDCPAs objective standards should be construed
to be protective of consumers who are unsophisticated and relatively more susceptible to abuse.
Federal Trade Commn v. Shaffner, 626 F.2d 32 (7th Cir. 1980). Although Congress
intended the Act to be enforced primarily by consumers it also authorized the FTC to use all
its functions and powers to enforce compliance.
Randall v. Nelson & Kennard, 2010 WL 3636258 (D. Ariz. Sept. 20, 2010). The FDCPA is
considered a strict liability statute, meaning that a consumer need not show that the debt collector
intentionally, fraudulently, or knowingly violated the Act.
Hayden v. Rapid Collection Sys., Inc., 2006 WL 1127180 (D. Ariz. Apr. 27, 2006).
Collectors reliance on information from the creditor was immaterial since the FDCPA is a strict
liability statute. The court recognized that such reliance might be an aspect of the bona fide error
defense.
Reyes v. Kenosian & Miele, L.L.P., 619 F. Supp. 2d 796 (N.D. Cal. 2008). Contents of state
court complaint are subject to the FDCPA.
Irwin v. Mascott, 94 F. Supp. 2d 1052 (N.D. Cal. 2000). Since the FDCPA is a strict liability
statute, no showing of intent was necessary to establish liability.
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OConnor v. Checkk Rite, 973 F. Supp. 1010 (D. Colo. 1997). FDCPA is a strict liability
statute and only one violation need be shown to entitle consumer to summary judgment.
Cirkot v. Diversified Fin. Sys., Inc., 839 F. Supp. 941, 944 (D. Conn. 1993). [T]he FDCPA
is remedial in nature and should be liberally construed.
Ayala v. Dial Adjustment Bureau, Inc., 1986 U.S. Dist. LEXIS 30983 (D. Conn. Dec. 4,
1986). The FDCPA should be construed to accomplish the regulatory goals intended by
Congress.
Chalik v. Westport Recovery Corp., 677 F. Supp. 2d 1322 (S.D. Fla. 2009). The FDCPA
establishes a strict liability standard and requires only one violation for a consumer to prevail. A
debt collector may still violate the FDCPA while simultaneously following an authorized state
procedure.
Pollack v. Bay Area Credit Serv., L.L.C., 2009 WL 2475167 (S.D. Fla. Aug. 13, 2008).
FDCPA is a strict liability statute so the consumer need not show that the violation was
intentional.
Berg v. Merchants Assn Collection Div., Inc., 586 F. Supp. 2d 1336 (S.D. Fla. 2008). The
FDCPAs prohibition barring collectors from leaving pre-recorded voicemail collection
messages that are heard by unauthorized third parties does not violate the First Amendment since
the prohibition is narrowly tailored to serve the significant governmental interest of protecting
consumers privacy and [d]ebt collectors have several alternative channels of communication
available to them, including live conversation via telephone, in person communication, and
postal mail.
Milton v. LTD Fin. Serv. Inc., 2011 WL 291363 (S.D. Ga. Jan. 25, 2011).+ [T]he FDCPA as
a strict liability statute, such that no evidence of intent to mislead or deceive is necessary.
Ross v. Commercial Fin. Serv. Inc., 31 F. Supp. 2d 1077, 1079 (N.D. Ill. 1999). Because it is
designed to protect consumers, the FDCPA is generally liberally construed.
McDonaiel v. South & Assocs., P.C., 325 F. Supp. 2d 1210 (D. Kan. 2004). FDCPA is a
remedial statute which should be construed liberally in favor of the consumer.
Bishop v. Global Payments Check Recovery Servs., Inc., 2003 WL 21497513 (D. Minn.
June 25, 2003). FDCPA imposes strict liability without regard to whether the consumer was
misled by the violation.
Picht. V. Hawks, 77 F. Supp. 2d 1041, 1043 (D. Minn. 1999) affd , 236 F.3d 446 (8th Cir.
2001). The FDCPA is a remedial, strict liability statute which was intended to be applied in a
liberal manner.
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Boyko v. Am. Intern. Group, Inc., 2009 WL 5194431 (D.N.J. Dec. 23, 2009). The FDCPA is
generally a strict liability statute and does not require proof of actual damages to support a claim.
Cavallaro v. Law Offices of Shapiro & Kriesman, 933 F. Supp. 1148 (E.D.N.Y. 1996). The
FDCPA is a strict liability statute. Quotes Russell v. Equifax A.R.S., 74 F.3d 30, 35 (2nd Cir.
1996); [I]n the general context of consumer protectionof which the Fair Debt Collection
Practices Act is a partit does not seem unfair to require that one who deliberately goes
perilously chose to tan area of proscribed conduct shall take the risk that he may cross the line.
Deere v. Jvitch, Block & Rathbone L.L.P., 413 F. Supp. 2d 886 (S.D. Ohio 2006). The
Sixth Circuit has described the statute as extraordinarily broad and its terms must be literally
enforced.
Becker v. Montgomery, Lunch, 2003 WL 23335929 (N.D. Ohio Feb. 26, 2003). FDCPA is,
for the most part, a strict liability statute.
Mushinsky v. Nelson, Watson & Assoc., L.L.C., 642 F. Supp. 2d 470 (E.D. Pa. 2009).
FDCPA is a remedial statute and should be construed broadly.
Agueros v. Hudson & Kyse, L.L.C., 2010 WL 3418286 (Tex. App. Aug. 31, 2010). The
FDCPA is a strict liability statute, and only one violation of the FDCPA is necessary to establish
civil liability.
Estrella v. G L Recovery Group, L.L.C., 2010 WL 679067 (C.D. Cal. Feb. 22, 2010). The
consumers allegation that the defendant violate 1692b(2) by calling consumers mother on
more than one occasion and communicating with Consumers mother and stating that
Consumer owes a debt stated a claim for relief under the Iqbal standard without alleging any
additional details.
Puttner v. Debt Consultants of Am., 2009 WL 1604570 (S.D. Cal. June 4, 2009). The
complaint stated a claim for relief by alleging that the defendants collectors called the
consumers parents without stating that they were confirming or correcting location information,
disclosed the existence of the sons debt, and called the parents repeatedly so as to constitute
harassment.
Bolton v. Pentagroup Fin. Servs., L.L.C., 2009 WL 734038 (E.D. Cal. Mar. 17, 2009). The
defendants threat to contact the consumers employer/commanding officer could not have been
a lawful attempt to acquire location information since the defendant was speaking to the
consumer at the very time when the threat was made.

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Deas v. American Recovery Sys., Inc., 2009 WL 3514560 (N.D. Miss. Oct. 29, 2009).
Defendant violated 1692b(3) by placing dozens of telephone calls to the plaintiffs home,
purportedly attempting to locate a third party debtor, after plaintiff informed defendant that the
debtor did not live at this residence and requested defendant to cease calling.

Pittman v. J.J. Mac Intyre Co., 238 F. Supp. 2d 1158 (N.D. Cal. 2002). The consumer stated
a claim for violation of 1692c(a)(1) and 1692d by alleging that notwithstanding warnings on
prior occasions that she could not talk at work, the collection agency called the consumer at her
place of employment to collect on the debt.
Yelvington v. Buckner, Clearinghouse No. 36,581 (N.D. Ga. 1984). The collector telephoning
a consumer again, after being told that he was serving customers, violated 1692c(a)( 1).
Krapf v. Collectors Training Inst. Of Ill., Inc., 2010 WL 584020 (W.D.N.Y. Feb. 16, 2010).
The consumers allegation that the defendant called her before 8:00 a.m. sufficiently alleged a
claim under 1692c(a)(1) and 1692d.
United States v. Cent. Adjustment Bureau, Inc., 667 F. Supp. 370 (N.D. Tex. 1986).
Collector violated the Act by making phone calls before 8:00 a.m. and after 9:00 p.m. Plaintiff
was not required to prove those times were inconvenient since 1692c(a)(1) requires the
collector to assume those times are inconvenient.
Horkey v. J.V.D.B. & Assoc., Inc., 333 F.3d 769 (7th Cir. 2003). The consumers statement
that she could no talk at work and that she would return the call from her home was sufficient to
place the collector on notice that the employer did not allow such collection calls.
Chiverton v. Fed. Fin. Group, Inc., 399 F. Supp. 2d 96 (D. Conn. 2005). The debt collector
violated 1692c(a)(1) and (3) by repeatedly calling after the consumer expressly requested the
collector not to do so because he was not permitted to receive personal calls at work.
Jenkins v. Eastern Asset Mgmt., L.L.C., 2009 WL 2488029 (E.D. Mo. Aug. 12, 2009). On
default, court awarded $1000 statutory damages, $2000 emotional distress damages, and $3250
fees and costs for multiple calls to place of employment threatening suit after being told plaintiff
could not accept personal calls at work.
Kuhn v. Account Control Tech., Inc., 865 F. Supp. 1443 (D. Nev. 1994). Six calls placed to
the consumers employer within 24 minutes violated 1692d(5).
OConnor v. Check Rite, 973 F. Supp. 1010 (D. Colo. 1997). Where collector informed
consumers roommate that he was calling regarding the consumers bounced check 1692c(b)
was violated.
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Bishop v. I.C. Sys., Inc., 2010 WL 1924472 (M.D. Fla. May 12, 2010). Given that the
consumers letter to the debt collector stated Any further correspondence from your
organization or any other collection agency will be discarded or returned to you unopened, the
court found that any jury would conclude that the letter that the debt collector stop contacting the
consumers. Systems argument rest on the fact that Bishops letter did not include the actual
words of the statute and did not literally say, Cease further communication. But while Bishop
did not use those precise words, his words expressed the same message-just with more bite.
Ramirez v. Apex Fin. Mgmt., L.L.C., 567 F. Supp. 2d 1035 (N.D. Ill. 2008). The collectors
1692c(c) violations committed over a seven-day period as it continued to contact the consumer
while it processed the consumers cease communication letter were not the result of bona fide
error, since the collector provided an address to which the consumer mailed the letter that
required forwarding and built-in internal procedures that delayed activation of the cease
communication: This is not a clerical error, but a loose procedure that resulted in a seven day
delay in processing and twenty-one collection calls to Plaintiff.
Johnson v. Equifax Risk Mgmt. Servs., 2004 WL 540459 (S.D.N.Y. Mar 17, 2004). A
consumers written demand to the collector that it verify the debt pursuant to 1692g and
otherwise cease all other communication effectively invoked the 1692 c(c)s cease
communication remedy and did not improperly attempt to have it both ways, and the
collectors subsequent communications other than to provide verification, comprised of an
additional dun and affidavits of forgery for the consumer to sign, violated 1692c(c).
Lamb v. M & M Assoc., 1998 WL 34288694 (S.D. Ohio Sept. 1, 1998). Debt collectors
continued collection efforts after receipt of consumers letter stating that she would not pay until
she received the requested breakdown did not violate 1692c(c) because refusal was conditional.
Chalik v. Westport Recovery Corp., 677 F. Supp. 2d 1322 (S.D. Fla. 2009). The FDCPA
does not guarantee a debt collector the right to leave answering machine messages; debt
collectors have other methods to reach debtors including postal mail, in-person contact, and
speaking directly by telephone.
Herbert v. Wexler & Wexler, 1995 WL 535107 (N.D. Ill. Sept. 5, 1995). The statement You
cannot even begin to know the trouble and expense that is about to come into your life over this
matter as we intend to do whatever is necessary to compel you to pay this obligation stated a
cause of action for violation of 1692d(2) as the unsophisticated consumer may construe the
language as having the natural consequence to harass, oppress or abuse the debtor.
Hoffman v. Partners in Collections, Inc., 1993 WL 358158 (N.D. Ill. Sept. 14, 1993).
Plaintiff was not required to identify in the complaint the particular abusive words alleged to
violate 1692d(2) in order to survive defendants motion to dismiss.
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McCollough v. Johnson, Rodenberg & Lauinger, 610 F. Supp. 2d 1247 (D. Mont. 2009).
The inescapable conclusion is that [the collection attorney] asked a pro se defendant to admit
false information. He either did so knowingly, or neglected to review his minimal file before
signing the requests. He served the requests with no ostensible reason to believe that the
[consumer] defendant would understand their import. The requests for admission appear to be
designed to conclusively establish each element of [the collection law firms] case against [the
consumer] and to use the power of the judicial process against a pro se defendant to collect a
time-barred debt. This conduct is abusive, unfair and unconscionable.
Arroyo v. Solomon & Solomon, P.C. 2001 U.S. Dist. LEXIS 21908 (E.D.N.Y. Nov. 7, 2001).
Student loan collectors insulting statement, if proven, that consumer who couldnt afford $100
monthly payments should have thought about that when she entered a student loan, would violate
1692d.
McNall v. Credit Bureau, 2008 WL 1881796 (D. Or. Apr. 18, 2008), Consumers stated a
claim for relief for defendants violation of 1692d when their agents, while attempting to serve
process, stood at the entrance of the consumers home and in a very loud voice repeatedly
yelled plaintiffs namecome out of your house. I have legal papers for you, you need to
come out and get these legal papers now, you need to get your ass out here and open your gate
now, Im not leaving until you come out and open this gate.
Frew v. Van Ru Credit Corp., 2006 WL 2261624 (E.D. Pa. Aug. 7, 2006). The assertion that
the Defendant allegedly likened Plaintiff to a scumbag stated a claim for using an abusive
collection practice prohibited by the FDCPA.
Meadows v. Franklin Collection Serv., Inc., 2011 WL 479997 (11th Cir. Feb. 11, 2011). The
court reversed the lower courts entry of summary judgment for the collector on the 1692d(5)
claim. The collector called the plaintiffs (the parent of a debtor) residence over 300 times in a
two and a half year period, sometimes up to three times a day, using mostly robocalls but also
personal calls. In addition, the collector sought contact information regarding the plaintiffs
adult daughter and another debtor who previously had the same telephone number. The court
found that a reasonable jury could conclude that the collector caused the phone to ring with the
intent to annoy or harass her in view of the volume and frequency of the calls, the fact that the
plaintiff had informed the collector that she did not owe the debts, did not wish to share her
daughters contact information, asked that the calls stop, and stated the calls caused her
emotional distress. The court found that the fact that telephone calls were not answered was no
defense to the 1692d(5) claim, since that provision specifically prohibits merely causing a
telephone to ring with the requisite intent: The statute itself recognizes that answering the
phone is not necessary for there to be harassment. This makes good sense because a ringing
telephone, even if screened and unanswered, can be harassing, especially if it rings on a
consistent basis over a prolonged period of time and concerns debts that one does not owe.
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Clarke v. Weltman, Wienberg & Reis, Co., L.P.A., 2010 WL 2803975 (S.D. Fla. July 15,
2010). A complaint alleging that over a two and a half month period twenty-six messages were
left on the consumers cell phone was sufficient under Twombly and Iqbal to constitute a
violation of 1692d even if they also constituted a violation of the TCPA. Each element of the
particular statutory claim must be met, regardless of whether the same facts support multiple
claims.
Atchoo v. Redline Recovery Servs., L.L.C., 2010 WL 1416738 (W.D.N.Y. Apr. 5, 2010). The
court found that it was not necessary in a claim under 1692d(5) for the consumer to allege that
the defendant made a certain number of phone calls. Also, there is no requirement under this
section that the consumer answer the phone. Instead, it is enough that the defendant merely
causes the phone to ring continuously with the intent to annoy, abuse, or harass.
Clark v. Quick Collect, Inc., 2005 WL 1586862 (D. Or. June 30, 2005). The court denied
summary judgment to defendant where it had called multiple times without leaving messages.
Whether there is actionable harassment or annoyance turns on the volume of calls made and on
the pattern of calls within 1692d.
Brown v. Hosto & Buchan, P.L.L.C., 2010 WL 4352932 (W.D. Tenn. Nov. 2, 2010). The
court denied the motion to dismiss where the frequency of the debt collectors calls to the
plaintiffs telephone and the manner in which the collector called the plaintiffs cellular phone
using an automatic telephone dialing system could plausibly cause an unsophisticated consumer
to feel harassed, oppressed, or abused.
Edward v. Niagara Credit Solutions, Inc., 584 F.3d 1350 (11th Cir. 2009). Telephone
answering machine messages that asked the consumer to return calls from the defendant debt
collector and that did not identify the caller as an employee or agent of a debt collection agency
or state that the purpose was an attempt to collect a debt violated 1692d(6)s prohibition
against placing telephone calls without making any meaningful disclosure of the identity of the
caller.
Garo v. Global Credit & Collection Corp., 2011 WL 251450 (D. Ariz. Jan.26, 2011). The
fact that a debt collector may leave a message, in which the debt collector is otherwise
unidentified, to contact the consumer at a phone number that had previously been contained in
the debt collectors correspondence with the consumer is insufficient to identify the subsequent
communication as being from a debt collector as is required by 1692e(11). Further, such a
request does not constitute meaningful disclosure of the callers identity as is required by 15
U.S.C. 1692d(6).
Costa v. Natl Action Fin. Servs., 634 F. Supp. 2d 1069 (E.D. Cal. 2009). Meaningful
disclosure pursuant to 1692d(6) requires that the caller state his or her name and capacity and
disclose enough information so as not to mislead the recipient of the telephone message.
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Valencia v. Affiliated Group, Inc., 2008 WL 4372895 (S.D. Fla. Sept. 24, 2008). The
defendant did not provide meaningful disclosure of the callers identity as required by
1692d(6) when its collector left a voicemail with a call back number that only identified the
callers first name and the company that employed her, because [c]ourts construing Section
1692d(6) have uniformly held that it requires a debt collector to disclose the callers name, the
debt collection companys name, and the nature of the debt collectors business.
Arslan v. Florida First Fed. Group, 1995 WL 731175 (M.D. Fla. Oct. 5, 1995). Using a set
of aliases when telephoning violated 1692d(6) by failing to make meaningful disclosure of the
callers identity.
Gilmore v. Account Mgmt., Inc., 2009 WL 2848278 (N.D. Ga. Apr. 27, 2009). Court
accepted as true plaintiffs allegation that defendant left a series of prerecorded messages for
plaintiff which did not state the name of the company placing the calls or that the
communications were from a debt collector attempting to collect a debt and concluded that these
communications violated 1692d(6).
Hutton v. C.B. Accounts, Inc., 2010 WL 3021904 (C.D. Ill. Aug. 3, 2010). Where the caller
did not identify her employer or mention that she was calling for debt-collections purposes,
leaving a first name and telephone number did not meaningfully identify the debt collector.
Baker v. Allstate Fin. Servs, Inc., 554 F. Supp. 2d 945 (D. Minn. 2008). Complaint stated a
cause of action by alleging that voicemails violated 1692d by not disclosing the callers name,
the debt collection companys name, and the nature of the debt collectors business.
Knoll v. Intellirisk Mgmt., 2006 WL 2974190 (D. Minn. Oct. 16, 2006). Denied debt
collectors motion to dismiss class action where debt collector used the false name, Jennifer
Smith as the Caller ID finding a claim was stated under 1692d, 1692e, 1692f.
Bice v. Merchants Adjustment Serv., Clearinghouse No. 41, 265 (S.D. Ala. 1985). The
absence of obscenity is no basis to dismiss a claim under 1692d since it is the province of the
jury to determine if letters had the natural consequence of harassing, oppressing or abusing a
susceptible consumer.

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